I scratched my head for a while there too. It was because your last use of ref name="two" was missing a closing forward slash. It's not a good thing that the software was providing an incorrect error message, saying that the page did not have {{Reflist}} or </references> when that wasn't the issue at all.--Fuhghettaboutit (talk) 14:49, 24 October 2010 (UTC)[reply]
I see no one has welcomed you so:
Hello, Carboload! Welcome to Wikipedia! Thank you for your contributions to this free encyclopedia. If you decide that you need help, check out Getting Help below, ask me on my talk page, or place {{helpme}} on your talk page and ask your question there. Please remember to sign your name on talk pages by using four tildes (~~~~) or by clicking if shown; this will automatically produce your username and the date. Finally, please do your best to always fill in the edit summary field. Below are some useful links to facilitate your involvement. Happy editing! Fuhghettaboutit (talk) 15:01, 24 October 2010 (UTC)[reply]